Oh hello!!
I joined just over 3 weeks ago and have been straight into helping out the Android team 
Since shipping 
Android 1.0, Iāve been busy doing some bug fixing as well as looking in to our automated tests, which of late have been a bit unreliable - super annoyingly!
Next up: @hugo!
Thanks @emmag 
As always, please do yourself a favour and start following me on Twitter. If you are already following me that only means that youāre an excellent human beingā¦ congratulations!
A few things on my plate right now:
Today weāve interviewed 9 lovely users to try to learn more about how they manage their contacts on different social networks. The reason for that is that weāre working on a new P2P flow and we want to make it perfect
We have this internal list that we call āBadass ideasā with all the great ideas that we may like to build at some point. So Iāve decided to own that list and try to push some of them with @ole and @tristan into our roadmap 
Iām working with @zancler on a cost sharing functionality. Weāre trying to not call it ābill splittingā but you get the idea. Itās going to be incredible.
I think thatās all, next up my friend @paul aka āthe guy with the strongest ping pong backhand in townā 
Hey @hugo - I remember seeing the āBaddass ideasā list on the wall when I went to visit Monzo HQ many months back - are you planning on sharing them more publicly somehow (Im not sure if they are on the backlog on the transparent roadmap)
@JamesBell maybe thatās a good idea at some point. To be completely honest that list has been a bit neglected during the last few months so weāre trying to clean it up and encourage the whole company to use it often. So, yeah, maybe in a few months time itās something that we can integrate in the transparent roadmap
@hugo - cool, I really liked that list - I think its important to get āwowā features in to highlight whats possible with a new bank that the old ones cant do - freeze card is my go-to one when showing Monzo to people for the first time (solves a real pain point, great example of something the existing banks are rubbish at, most people have encountered this pain before). I guess its hard to get them in the roadmap when you still have things like direct debit, faster payments, overdraft to work on though!
Well, that must have been a 
serve by @hugo as itās taken me a week to hit back 
so first up itās a big sorrrrrryyyyy everyone. I actually took last week off and decided to go into 
and Slack blackout mode and so totally missed my turn for the posting 
. There are two things I have learnt from this, firstly that I need a better way of managing my āto doā list (suggestions welcome ) . Secondly, that although the Monzo culture is all about working smart and hard, we also let and encourage everyone in the company to have ādown timeā to recharge their 
. This is also something I havenāt been very good at!
So, with my apology and holiday over, Iād love to share whatās on my plate these days. Top of my āto doā list is getting the restrictions lifted from our banking licence 
. Athough we are a bank, we are restricted to taking no more than Ā£50,000 of deposits (in total across all customers - although excluding the pre-paid card balances) and we canāt lend - both fairly fundamental restrictions! As you may recall, Monzo Bank is currently in the mobilisation phase as we finish building out our systems, recruit (more) staff, get the bank account working, do another round of fund raising 
and generally get the bank ready to be fully operational. We have every part of the company engaged in mobilisation in one way or another and this diary is a great way for you to get a flavour of all the things that are underway. Of the many things we have to sort out, two have been receiving my attention in recent days: hiring and lending. On hiring after many and extensive interviews weāve made a number of appointments so I wonāt steal their thunder and will let them introduce themselves in the coming days and weeks. On lending, my blog post certainly stirred up some interest! Thank you to everyone who took the trouble to email and message me with your suggestions and opinions. Eventually, I managed to respond to everyone and I can say for sure this was worth doing as I learnt a lot. I promise we will share more on our lending plans as they continue to take shape.
Next up itās the man who many of you will only here from when the 
is out and you need help with your 
itāsā¦ @dillonvanauken 
Pulling this out and quoting it because itās super important. Huge shoutouts to everyone at Monzo for having this healthy attitude. Iāve had too many friends in unhealthy startups and met too many people in my temporary work who get completely burned out within the year from never having genuine downtime.
Sorry @paul, looks like Iām running a bit late here 
Hello everyone! I work for Monzoās Ops team and spend most of my time working remotely from Los Angeles 
so that I can provide evening customer support for our customer base back in the UK 
My main focus has been handling customer support queries recently, and it is really exciting to see so many new customers writing in as the number of Monzo users continues to grow 
Things have been getting quite busy but our team will be expanding soon so that we can continue to respond as quickly and thoroughly as possible to any issues you may be having
In addition to handling queries, Iāve been working through some merchant enrichment tasks with the help of @natashaās excellent training alongside the rest of the Ops Team
Iāve also recently begun helping the wider team look into international regulatory requirements as part of our mobilisation phase so that we can be able to accept customers from around the world 
Iām really looking forward to being able to introduce all my friends over here to the best bank on the planet one day 
While working remotely can occasionally feel lonely, with the magicā:sparkles: of Google hangouts and Slack I feel connected as ever to the wider team and am really looking forward to being back in the London office next month for a couple of weeks 
ļø
Thatās all for me now, next up is @Naji !
Hey all, hope everyoneās having a good weekend. Iām Community Manager here at Monzo.
There are a few things on my plate at the momentā¦
Old Street has been home to Monzo HQ since we started in early 2015 so itās no surprise we have such an active user base in the area. Weāve got a lot of 
ļø for the individuals and independent vendors who make the neighbourhood such a unique destination and in celebration of this, Iām working on an exciting Monzo community led Old Street/Shoreditch takeover campaign. Keep āem peeled for details! 
Iām sure many of you will have joined or viewed discussions on moderation and housekeeping on the community page. Weāre overwhelmingly proud and grateful to all the users who have made the forum such a great platform for reference and discussion. As the community grows Itās super important we empower and support you to continue this. Working out how best to do so is what Iām currently researching/working on and Iāll be reaching out in coming weeks for your help and feedback to find a plan to suits all 
Next up, I nominate @stompydan 
Canāt wait to see what youāve got planned for the takeover campaign. Hopefully weāll see plenty of photos here.
Hello! Iām the newest back-end engineer here at Monzo at the moment
So far Iāve mainly been working on things to help internal goings-on: firstly a way for us to record some basic information about how youāre using the Monzo app (type of device, app version, things like that) so that customer support can help you out even more efficiently.
Also Iāve been building a better way for us to keep an eye on official lists of potentially problematic people. Thereās some people we simply canāt service, and some that we need to consider before allowing them a card. This is only a very small set of people in the scheme of things, but important to keep on top of. Thisāll mean weāre exposed to less risk, and have more time and resources to help the vast majority of upstanding folk 
Iām going to nominate @tristan cos it looks like itās been a while
Is that like those people with poor credit history, or other things?
How transparent will this be to applicants?
Clin
Because itās based upon official lists then I would assume this about sanctions checking. Itās illegal to offer financial services to known terrorists, etc. That kind of thing.
Thanks Ben. That makes more sense than my guess (particularly since people with a poor credit history can still be āupstanding folkā).
Monzo currently doesnāt offer a credit solution / loans so they donāt do a credit check when you sign up.
That will obviously change once Monzo starts offering overdrafts but youāll be told in advance, before a credit check is made.
If youāre wanting to know more about what Monzo is planning to do about credit ratings then Iād advise bookmarking this topic for future updates 
This is correct. Itās not about credit checking (which we currently donāt do) ā it really will affect a very small amount of people, for very good reasons! Otherwise, of course we want to be able to help as many people as we can and transparency will be a priority
Hi there Mike!
people who regardless of past good credit history are about to have financial problems perhaps due to recent changes in employment or marital status